Employees who meet the following conditions at the same time can apply for personal loans for housing provident fund as borrowers when purchasing, building, renovating or overhauling their own houses: (1) They have full capacity for civil conduct. (two) according to the provisions of the normal, continuous and full deposit of housing provident fund in this city for more than six months. Who meet the following conditions, under the premise of normal housing provident fund deposit, can apply for personal housing provident fund loans, not limited by the time of housing provident fund deposit. 1, high-level talents and college graduates (1), academician of China Academy of Sciences and China Academy of Engineering. (2) Young and middle-aged experts who have made outstanding contributions to the country, academic and technical leaders of the first-class training targets of the "333 Project", national key disciplines, key laboratories and engineering technology research centers at or above the provincial level. (3) personnel who enjoy special government allowances from the State Council, young and middle-aged experts who have made outstanding contributions from the Ministry and the province, secondary training objects of the "333 Project" of the province, doctoral supervisors, professors or researcher-level senior engineers. (4) personnel with senior professional and technical qualifications, provincial "333 Project" three-level training objects, municipal academic and technical leaders (top-notch talents), personnel with doctoral degrees, and high-level management talents. (5) Those who have obtained a master's degree, and those with double diplomas or above. (6) All kinds of personnel, projects and funds with independent intellectual property rights. (7) Other special talents recognized by the municipal talent evaluation agency. (8) Full-time college graduates who have just graduated and taken up new jobs. 2, demobilized military personnel, veterans of the unit has been normal, continuous and full deposit of housing provident fund for more than six months, can be regarded as my normal, continuous and full deposit of housing provident fund for more than six months. 3. Workers who terminate their labor relations with the unit, if they really want to pay the housing provident fund, can sign the Agreement on Voluntary Participation in the Housing Provident Fund System with Nantong Housing Provident Fund Management Center and its branches, and transfer them to the housing provident fund agent households, which shall be handled uniformly according to the loan policy of the agent households. (three) good credit, stable economic income and the ability to repay the principal and interest of the loan. 1. Confirmation of loan repayment ability standard According to the relevant policy documents of the People's Bank of China, if the following conditions are met, the loan repayment ability can be determined. (1) The monthly repayment amount of the borrower's housing provident fund personal loan minus the contributions of the applicant, spouse and borrower shall account for less than 50% of the family's monthly income. (2) When the borrower applies for a personal housing provident fund loan, if there is an outstanding commercial loan, the monthly repayment amount of the commercial loan plus the monthly repayment amount of the personal housing provident fund loan to be applied minus the monthly deposit amount of the applicant, spouse and * * * borrower accounts for less than 55% of the family's monthly income. 2. The repayment ability of loan applicants is classified according to family income conditions (1). Unmarried children apply for loans, parents promise to repay together or parents apply for loans. If their unmarried children promise to repay together, it will be regarded as * * * and the monthly income can be calculated together. (II) If the monthly salary base of housing provident fund is capped according to the regulations, and the monthly salary base of housing provident fund is less than the actual income, the income certificate issued by the unit and the details of the three-month salary income stamped by the unit shall prevail, or the personal income tax payment certificate provided by the tax department shall prevail to determine the actual income. (3) The monthly income of the borrower who does not have a fixed work unit can be confirmed according to the salary base standard of the old-age insurance premium paid in the current year published by Nantong Labor and Social Security Bureau. (4) If there is a fixed rental income, the actual income shall be determined according to the rental income tax payment certificate provided by the tax authorities.